Well Link Well Protect Voluntary Health Insurance Scheme (Flexi) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00042-01-000-02. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$3,925 |
| 45 | HK$7,257 |
| 60 | HK$10,813 |
| 75 | HK$23,398 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$600,000 |
| Lifetime limit | None |
| Room and board | HK$1,000 |
| Hospital charges | HK$14,000 |
| Doctor's visits | HK$800 |
| Specialist fees | HK$4,300 |
| Intensive care | HK$3,500 |
| Surgeon's fee | HK$50,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$80,000 |
| Outpatient before and after | HK$4,500 |
| Psychiatric treatment | HK$30,000 |
Also includes outpatient general, home nursing, a companion bed, hospital cash, kidney dialysis, a death benefit.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | 100 p.10 |
|---|---|
| Pre-existing conditions unknown at application | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.17 |
| Waiting period | none p.17 |
| Cancellation and refund | Full refund during 21-day cooling-off period. After cooling-off, no refund if policyholder cancels or for non-payment. Pro-rata refund if terminated due to death or company ceasing authorization. p.4 |
| Switching from another plan | Switching to another plan with upgraded or additional benefits is possible, subject to re-underwriting for the upgraded/additional benefits. p.12 |
| Room class | Ward p.1 |
| If a higher room is used | Adjustment factors apply: Ward to Semi-Private 50%, Ward to Standard Private or higher 25%, Semi-Private to Standard Private 50%, Semi-Private to higher 25%, Standard Private to higher 50% p.28 |
| Geographical cover | Worldwide, except for psychiatric treatment, post-Confinement home nursing, outpatient kidney dialysis, and cash benefit for Day Case Procedure p.14 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | Covered worldwide p.14 |
| Full cover on core benefits | no p.1 |
| Annual limit | 720000 p.3 |
| Lifetime limit | none p.3 |
| Deductible options | none |
| Coinsurance | 20% for supplementary major medical, 30% for Prescribed Diagnostic Imaging Tests p.1 |
| Pre-admission outpatient | 1 visit, $580 per visit, up to $4,500 per Policy Year p.1 |
| Post-discharge outpatient | 3 visits within 90 days, $580 per visit, up to $4,500 per Policy Year p.1 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.1 |
| Diagnostic imaging coinsurance | 30% p.1 |
| Non-surgical cancer treatment | 80000 p.1 |
| Kidney dialysis | Covered up to $50,000 per Policy Year p.1 |
| Day case procedures | Covered as in-patient, plus $500 cash benefit per procedure p.15 |
| Home nursing | $550 per visit, 1 visit per day, max 30 visits per Policy Year within 90 days post-discharge p.1 |
| Hospice care | none p.22 |
| Chinese medicine | none p.19 |
| Physiotherapy | Covered during confinement and as part of pre/post-confinement outpatient care p.16 |
| Congenital conditions | Covered from age 8 p.19 |
| Pregnancy complications | none p.19 |
| Emergency dental | Covered for emergency treatment and surgery during confinement arising from an accident p.19 |
| Hospital cash | $500 per Day Case Procedure p.3 |
| Companion bed | none p.4 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other forms of alternative treatment p.18 |
At a constant age of 45, Well Link has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$7,257 to HK$7,257.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | no change |
| 2024 | no change |
| 2025 | no change |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.